Author: Michael Fuller

ANSWER: The good news is that all student loans can be forgiven, whether federal or private. If you haven’t already, take our 60-second undue hardship quiz. The more boxes you can honestly check, the more likely your bankruptcy judge is to forgive

ANSWER: Call the bankruptcy clinic at Oregon legal aid at 503-224-4086. You may qualify for a pro bono attorney to help wipe out your student loans in bankruptcy. If not, you will need to file bankruptcy without an attorney “pro se”.

QUESTION: What is the undue hardship exception? ANSWER: Undue hardship is what you must prove in order to forgive your student loans. Undue hardship involves three things. First, you must have no money left over each month to repay your student loans. Second,

QUESTION: Should I apply for income based repayment plans? ANSWER: Yes, always apply every year for each loan you have. Income based repayment plans allow you to pay what you can afford on your student loans. To greatly improve your

Last April, an Oregon judge ordered Portland State University to show cause why it shouldn’t be held in contempt for harassing a former student after bankruptcy. Court records show the former student owed PSU unpaid tuition for classes in fall

QUESTION: What is the Brunner test? ANSWER: The Brunner undue hardship test is the exclusive method used in Oregon to qualify for the undue hardship exception. Marie Brunner filed bankruptcy in 1983. She asked the court to wipe out her student loans.

QUESTION: Can I own or lease a new car and still meet the first Brunner prong? ANSWER: You can buy a new car and still wipe out your student loans. However, your car must be economical. Avoid driving luxury cars or

QUESTION: Can I have retirement savings and still meet the first Brunner prong? ANSWER: Retirement savings may not be possible if you are having trouble paying your student loans. The court is more likely to forgive your student loans if you are not putting